System and method for electronic resource transfers in a distributed network via network-paired resource transfer devices

Abstract

Systems, computer program products, and methods are described herein for electronic resource transfers in a distributed network via network-paired resource transfer devices. The present invention is configured to receive login credentials from a user via a user interface of an endpoint device to access an account, determine, in response to a prompt by the user, at least one network device on a wireless network, wherein the at least one network device may include a resource transfer device, display the resource transfer device on the user interface, receive a selection of the resource transfer device via the user interface, activate a user characteristic authentication feature of the resource transfer device, and receive a signal of an authenticated user characteristic from the resource transfer device.

What is claimed is: 
     
       1. A system for electronic resource transfers in a distributed network via network-paired resource transfer devices, the system comprising:
 a processing device; 
 a non-transitory storage device containing instructions when executed by the processing device causes the processing device to perform the steps of: 
 receiving login credentials from a user via a user interface of an endpoint device to access an account; 
 determining, in response to a prompt by the user on the user interface of the endpoint device, at least one resource transfer device on a wireless network of the endpoint device, wherein the resource transfer device comprises a payment card comprising a fingerprint authentication feature and a backscatter device, the backscatter device comprising a harvesting loop antenna for operatively coupling the resource transfer device to the wireless network, wherein the backscatter device is configured to harvest and backscatter multi-band energy at predetermined frequencies; 
 displaying the resource transfer device on the user interface; 
 receiving a selection of the resource transfer device via the user interface; 
 activating the fingerprint authentication feature of the resource transfer device; 
 receiving a signal of a fingerprint authentication from the resource transfer device, wherein upon a first condition where the fingerprint authentication indicates a mismatch between a stored fingerprint template stored on the resource transfer device and a fingerprint received on the fingerprint authentication feature of the resource transfer device, the endpoint device prompts a retry of the fingerprint authentication at the resource transfer device; 
 receiving, on the endpoint device, confirmation from the user to pair the resource transfer device with the wireless network upon a second condition where the fingerprint authentication indicates a match between the stored fingerprint template stored on the resource transfer device and the fingerprint received on the fingerprint authentication feature of the resource transfer device; 
 transmitting a one-time authentication token and a request for authorization to the endpoint device; 
 receiving the one-time authentication token from the user; and 
 storing pairing data comprising details of the wireless network and resource transfer device data in a storage device as a paired resource transfer device. 
 
     
     
       2. The system of  claim 1 , wherein executing the instructions further causes the processing device to perform the steps of:
 receiving a request for an electronic resource transfer from a merchant over the wireless network; 
 receiving a selection from a user on a user interface of an endpoint device for the paired resource transfer device, wherein identification data from the paired resource transfer device is encrypted over the wireless network; 
 transmitting a request to the user to authenticate the electronic resource transfer via the paired resource transfer device; 
 receiving a signal of an authenticated fingerprint from the paired resource transfer device; 
 authenticating the electronic resource transfer via data packets over the wireless network; and 
 completing the electronic resource transfer. 
 
     
     
       3. The system of  claim 1 , wherein the resource transfer device is operatively coupled to the wireless network via a short-range wireless data transfer protocol. 
     
     
       4. The system of  claim 1 , wherein the resource transfer device is operatively coupled to the wireless network via Wi-Fi. 
     
     
       5. The system of  claim 1 , wherein the one-time authentication token is transmitted to the endpoint device via at least one selected from the group consisting of: a short message service and an authentication application. 
     
     
       6. A computer program product for electronic resource transfers in a distributed network via network-paired resource transfer devices, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:
 receive login credentials from a user via a user interface of an endpoint device to access an account; 
 determine, in response to a prompt by the user on the user interface of the endpoint device, at least one resource transfer device on a wireless network of the endpoint device, wherein the resource transfer device comprises a payment card comprising a fingerprint authentication feature and a backscatter device, the backscatter device comprising a harvesting loop antenna for operatively coupling the resource transfer device to the wireless network, wherein the backscatter device is configured to harvest and backscatter multi-band energy at predetermined frequencies; 
 display the resource transfer device on the user interface; 
 receive a selection of the resource transfer device via the user interface; 
 activate the fingerprint authentication feature of the resource transfer device; 
 receive a signal of a fingerprint authentication from the resource transfer device, wherein upon a first condition where the fingerprint authentication indicates a mismatch between a stored fingerprint template stored on the resource transfer device and a fingerprint received on the fingerprint authentication feature of the resource transfer device, the endpoint device prompts a retry of the fingerprint authentication at the resource transfer device; 
 receive, on the endpoint device, confirmation from the user to pair the resource transfer device with the wireless network upon a second condition where the fingerprint authentication indicates a match between the stored fingerprint template stored on the resource transfer device and the fingerprint received on the fingerprint authentication feature of the resource transfer device; 
 transmit a one-time authentication token and a request for authorization to the endpoint device; 
 receive the one-time authentication token from the user; and 
 store pairing data comprising details of the wireless network and resource transfer device data in a storage device as a paired resource transfer device. 
 
     
     
       7. The computer program product of  claim 6 , wherein the code further causes the apparatus to:
 receive a request for an electronic resource transfer from a merchant over the wireless network; 
 receive a selection from a user on a user interface of an endpoint device for the paired resource transfer device, wherein identification data from the paired resource transfer device is encrypted over the wireless network; 
 transmit a request to the user to authenticate the electronic resource transfer via the paired resource transfer device; 
 receive a signal of an authenticated fingerprint from the paired resource transfer device; 
 authenticate the electronic resource transfer via data packets over the wireless network; and 
 complete the electronic resource transfer. 
 
     
     
       8. The computer program product of  claim 6 , wherein the resource transfer device is operatively coupled to the wireless network via a short-range wireless data transfer protocol. 
     
     
       9. The computer program product of  claim 6 , wherein the resource transfer device is operatively coupled to the wireless network via Wi-Fi. 
     
     
       10. The computer program product of  claim 6 , wherein the one-time authentication token is transmitted to the endpoint device via at least one selected from the group consisting of: a short message service and an authentication application. 
     
     
       11. A method for electronic resource transfers in a distributed network via network-paired resource transfer devices, the method comprising:
 receiving login credentials from a user via a user interface of an endpoint device to access an account; 
 determining, in response to a prompt by the user on the user interface of the endpoint device, at least one resource transfer device on a wireless network of the endpoint device, wherein the resource transfer device comprises a payment card comprising a fingerprint authentication feature and a backscatter device, the backscatter device comprising a harvesting loop antenna for operatively coupling the resource transfer device to the wireless network, wherein the backscatter device is configured to harvest and backscatter multi-band energy at predetermined frequencies; 
 displaying the resource transfer device on the user interface; 
 receiving a selection of the resource transfer device via the user interface; 
 activating the fingerprint authentication feature of the resource transfer device; 
 receiving a signal of fingerprint authentication from the resource transfer device, wherein upon a first condition where the fingerprint authentication indicates a mismatch between a stored fingerprint template stored on the resource transfer device and a fingerprint received on the fingerprint authentication feature of the resource transfer device, the endpoint device prompts a retry of the fingerprint authentication at the resource transfer device; 
 receiving, on the endpoint device, confirmation from the user to pair the resource transfer device with the wireless network upon a second condition where the fingerprint authentication indicates a match between the stored fingerprint template stored on the resource transfer device and the fingerprint received on the fingerprint authentication feature of the resource transfer device; 
 transmitting a one-time authentication token and a request for authorization to the endpoint device; 
 receiving the one-time authentication token from the user; and 
 storing pairing data comprising details of the wireless network and resource transfer device data in a storage device as a paired resource transfer device. 
 
     
     
       12. The method of  claim 11 , wherein the method further comprises:
 receiving a request for an electronic resource transfer from a merchant over the wireless network; 
 receiving a selection from a user on a user interface of an endpoint device for the paired resource transfer device, wherein identification data from the paired resource transfer device is encrypted over the wireless network; 
 transmitting a request to the user to authenticate the electronic resource transfer via the paired resource transfer device; 
 receiving a signal of an authenticated fingerprint from the paired resource transfer device; 
 authenticating the electronic resource transfer via data packets over the wireless network; and 
 completing the electronic resource transfer. 
 
     
     
       13. The method of  claim 11 , wherein the resource transfer device is operatively coupled to the wireless network via a short-range wireless data transfer protocol. 
     
     
       14. The method of  claim 11 , wherein the resource transfer device is operatively coupled to the wireless network via Wi-Fi. 
     
     
       15. The method of  claim 11 , wherein the one-time authentication token is transmitted to the endpoint device via at least one selected from the group consisting of: a short message service and an authentication application.